Velvet
by James. 04/29/24 08:31 AM
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133 registered members (Beer Belly, bamaeyedoc, Lightfoot, hallb, Ragu, Backwards cowboy, Tall Dog, beRAD, Swamp Monkey, blade, deerchop, odocoileus, slippinlipjr, GomerPyle, jono23, zgobbler5, hawndog, BC_Reb, Billbrassky, BhamFred, JRF, JSanford1974, jprice, Whild_Bill, JohnG, sj22, Zbrann, BACK40, 7PTSPREAD, rutwad, Crawfish, cullbuck, slanddeerhunter, goodman_hunter, BamaBoHunter, HHSyelper, demp17, stl32, IMISSALDEER, nomercy, SharpSpur, JDW25, BCLC, jdhunter2011, Solothurn, Cedar, FastXD, Josh77, Kang, doghouse, Squadron77, cchoque93, auwild, BD, blazer625, Chiller, CKyleC, Rem870s2, WEMOhunter, UARandy3, bug54, Lockjaw, USeeMSpurs, Prohunter3509, Brian_C, dwoliver, JoeBuck, JBrown1975, BigA47, Reptar, Moose24, auwardamn, Reaper, kodiak06, ronfromramer, bamafarmer, Shaneomac2, Sus scrofa Reduction Specialist, Calvin, TexasHuntress, TideWJO, Chaser357, jtillery, cartervj, deadeye, Cabmlor4, AL18, DryFire, okfuski, HBWALKER14, dwaugh, crocker, jlbuc10, AustinC, Turkeyhunter12, KnightRyder, Bustinbeards, aucountry, Downwind, crenshawco, donia, Mbrock, mcninja, .308, Lil_Fella, Shmoe, Signal26, rickyh_2, JKlep, Driveby, UncleHuck, 3blades, Duck, CAM, Jotjackson, WPZJR, 3Gs, Lonster, GrandSlam, Nmonk23, Remington270, knock him down, jarcher38, William, 9 invisible),
921
guests, and 0
spiders. |
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Key:
Admin,
Global Mod,
Mod
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Re: Dave ramsey
[Re: Remington270]
#2946810
11/05/19 10:03 PM
11/05/19 10:03 PM
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Joined: Nov 2008
Posts: 10,308
Alabama
whack-n-stack
Booner
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Booner
Joined: Nov 2008
Posts: 10,308
Alabama
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Ramsey thinks he is Moses. He leaves little doubt that he thinks highly of himself. But his message is good. You shouldn’t take financial advice from poor people. Idk if I’d take it from rich guys either. Look at Bernie Madoff
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Re: Dave ramsey
[Re: whack-n-stack]
#2946852
11/05/19 10:21 PM
11/05/19 10:21 PM
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Joined: Nov 2011
Posts: 21,784
USA
Remington270
Freak of Nature
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Freak of Nature
Joined: Nov 2011
Posts: 21,784
USA
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Ramsey thinks he is Moses. He leaves little doubt that he thinks highly of himself. But his message is good. You shouldn’t take financial advice from poor people. Idk if I’d take it from rich guys either. Look at Bernie Madoff Bernie Madoff was extremely good at making money...
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Re: Dave ramsey
[Re: ]
#2946854
11/05/19 10:22 PM
11/05/19 10:22 PM
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Joined: May 2015
Posts: 6,363
On the X
TickaTicka
12 point
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12 point
Joined: May 2015
Posts: 6,363
On the X
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I've listened to some of his stuff while driving.
What he says is pretty basic stuff. Live under your means, avoid debt, pay cash, save, invest, etc.
It speaks poorly of us as the richest country that the populace doesn't understand such things.
We really need to start teaching basic personal finance during primary education.
Public Land Owner
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Re: Dave ramsey
[Re: Remington270]
#2946858
11/05/19 10:22 PM
11/05/19 10:22 PM
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Joined: Jun 2015
Posts: 14,022
Some Marriott/Auburn
AU7MM08
Booner
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Booner
Joined: Jun 2015
Posts: 14,022
Some Marriott/Auburn
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Ramsey thinks he is Moses. He leaves little doubt that he thinks highly of himself. But his message is good. You shouldn’t take financial advice from poor people. Dave Ramsey ranting about credit cards is absolutely HILARIOUS. He would tell someone with a networth that looked like a phone number, humble lifestyle & zero debt, "you're playing with snakes and gonna get bit!!!" if they said they use credit cards to put purchases on and pay them off each month.
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Re: Dave ramsey
[Re: 257wbymag]
#2946862
11/05/19 10:23 PM
11/05/19 10:23 PM
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Joined: Jan 2005
Posts: 33,437
Your mom’s house
doekiller
Freak of Nature
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Freak of Nature
Joined: Jan 2005
Posts: 33,437
Your mom’s house
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Lots of equipment can be financed 0% for X years. Why pay for it then? I’ve told people that for years. If you are getting 0% why do you feel the need to pay it off quickly?
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Re: Dave ramsey
[Re: Remington270]
#2946865
11/05/19 10:25 PM
11/05/19 10:25 PM
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Joined: Nov 2008
Posts: 10,308
Alabama
whack-n-stack
Booner
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Booner
Joined: Nov 2008
Posts: 10,308
Alabama
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Ramsey thinks he is Moses. He leaves little doubt that he thinks highly of himself. But his message is good. You shouldn’t take financial advice from poor people. Idk if I’d take it from rich guys either. Look at Bernie Madoff Bernie Madoff was extremely good at making money... Not so good at keeping it though.
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Re: Dave ramsey
[Re: TickaTicka]
#2946868
11/05/19 10:27 PM
11/05/19 10:27 PM
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Joined: Apr 2012
Posts: 762
juice
4 point
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4 point
Joined: Apr 2012
Posts: 762
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People can’t manage money. If you can make the payment that must mean you can afford it, that’s folks mentality these days. I've listened to some of his stuff while driving.
What he says is pretty basic stuff. Live under your means, avoid debt, pay cash, save, invest, etc.
It speaks poorly of us as the richest country that the populace doesn't understand such things.
We really need to start teaching basic personal finance during primary education.
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Re: Dave ramsey
[Re: 257wbymag]
#2946876
11/05/19 10:29 PM
11/05/19 10:29 PM
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Joined: Aug 2006
Posts: 8,868
Andalusia, Covington County, A...
TexasHuntress
14 point
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14 point
Joined: Aug 2006
Posts: 8,868
Andalusia, Covington County, A...
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Lots of equipment can be financed 0% for X years. Why pay for it then? I love finding a financing option like that. We financed our tractor at 0% and it was awesome.
If you live to be a hundred, I want to live to be a hundred minus one day, so I never have to live without you.---Winnie the Pooh
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Re: Dave ramsey
[Re: doekiller]
#2946881
11/05/19 10:31 PM
11/05/19 10:31 PM
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Joined: Apr 2012
Posts: 762
juice
4 point
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4 point
Joined: Apr 2012
Posts: 762
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If your like me you hate having to deal with it at all. I paid off a lawn mower recently after having it financed at 0% over a 4 year term. I had it on the books around 10 months. It’s gone and I’m glad. Lots of equipment can be financed 0% for X years. Why pay for it then? I’ve told people that for years. If you are getting 0% why do you feel the need to pay it off quickly?
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Re: Dave ramsey
[Re: juice]
#2946885
11/05/19 10:33 PM
11/05/19 10:33 PM
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Joined: Jun 2015
Posts: 14,022
Some Marriott/Auburn
AU7MM08
Booner
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Booner
Joined: Jun 2015
Posts: 14,022
Some Marriott/Auburn
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If your like me you hate having to deal with it at all. I paid off a lawn mower recently after having it financed at 0% over a 4 year term. I had it on the books around 10 months. It’s gone and I’m glad. Lots of equipment can be financed 0% for X years. Why pay for it then? I’ve told people that for years. If you are getting 0% why do you feel the need to pay it off quickly? Autopay...what is there to deal with? The money elves move the funds each month and there is zero effort or labor required on your part.
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Re: Dave ramsey
[Re: AU7MM08]
#2946890
11/05/19 10:35 PM
11/05/19 10:35 PM
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Joined: Apr 2012
Posts: 762
juice
4 point
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4 point
Joined: Apr 2012
Posts: 762
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I know it’s there and it bugs me. I sleep better at night knowing I don’t have it put there. I’m probably crazy but it is what it is. If your like me you hate having to deal with it at all. I paid off a lawn mower recently after having it financed at 0% over a 4 year term. I had it on the books around 10 months. It’s gone and I’m glad. Lots of equipment can be financed 0% for X years. Why pay for it then? I’ve told people that for years. If you are getting 0% why do you feel the need to pay it off quickly? Autopay...what is there to deal with? The money elves move the funds each month and there is zero effort or labor required on your part.
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Re: Dave ramsey
[Re: doekiller]
#2946894
11/05/19 10:37 PM
11/05/19 10:37 PM
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Joined: Apr 2012
Posts: 762
juice
4 point
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4 point
Joined: Apr 2012
Posts: 762
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I can’t blame you there. I’m going to take this approach soon. Wrapping up a home build and think I’m going to get a cc for this very purpose. Probably should have done so before I spent a small fortune in furniture and other crap for the house. It’s nice knowing it’s all paid for though I will say that. Don’t get me wrong, I prefer to pay cash for everything. Actually, I prefer to use my AMEX and them pay it off every month and collect the air miles.
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Re: Dave ramsey
[Re: ]
#2946896
11/05/19 10:39 PM
11/05/19 10:39 PM
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Joined: Nov 2009
Posts: 10,979
wedowee
daniel white
Booner
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Booner
Joined: Nov 2009
Posts: 10,979
wedowee
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my buddy told me this a long time ago...
Base your bills on 2 weeks pay
Base your folding money on one weeks pay
Take the last weeks pay and put it back.
Said you’d always be set...
I don’t follow that rule, but I’m not in deep debt either, I just like to get by and have a good time in between, and make sure my kids are taken care of.
"You do and it will be the biggest mistake you ever made, you Texas brush popper" John Wayne
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Re: Dave ramsey
[Re: doekiller]
#2946902
11/05/19 10:42 PM
11/05/19 10:42 PM
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Joined: Sep 2003
Posts: 12,861
Montgomery / Luverne
crenshawco
Booner
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Booner
Joined: Sep 2003
Posts: 12,861
Montgomery / Luverne
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Don’t get me wrong, I prefer to pay cash for everything. Actually, I prefer to use my AMEX and them pay it off every month and collect the air miles. X2. I'd much rather swipe my amex and pay it off every month. It's sad Ramsey is seen as some kind of prodigy for his simpleton money management "techniques."
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Re: Dave ramsey
[Re: crenshawco]
#2946906
11/05/19 10:45 PM
11/05/19 10:45 PM
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Joined: Apr 2010
Posts: 2,667
leeds,al
geeb1
10 point
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10 point
Joined: Apr 2010
Posts: 2,667
leeds,al
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Don’t get me wrong, I prefer to pay cash for everything. Actually, I prefer to use my AMEX and them pay it off every month and collect the air miles. X2. I'd much rather swipe my amex and pay it off every month. It's sad Ramsey is seen as some kind of prodigy for his simpleton money management "techniques." I have a cc that I use occasionally. It gets paid immediately. His advice is simple, but most folks can't handle debt.
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Re: Dave ramsey
[Re: crenshawco]
#2946932
11/05/19 10:57 PM
11/05/19 10:57 PM
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Joined: Jun 2015
Posts: 14,022
Some Marriott/Auburn
AU7MM08
Booner
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Booner
Joined: Jun 2015
Posts: 14,022
Some Marriott/Auburn
|
Don’t get me wrong, I prefer to pay cash for everything. Actually, I prefer to use my AMEX and them pay it off every month and collect the air miles. X2. I'd much rather swipe my amex and pay it off every month. It's sad Ramsey is seen as some kind of prodigy for his simpleton money management "techniques." He's made an entire career and become a millionaire many times over when everything can be summed in three words, Don't be stupid. I've really got no idea why he's got the cult following he does. Jack Bogle, Peter Lynch & Charlie Munger are men that have actually added real value, they haven't said the same canned lines day after day on the radio.
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Re: Dave ramsey
[Re: juice]
#2946941
11/05/19 11:02 PM
11/05/19 11:02 PM
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Joined: Nov 2015
Posts: 21,445
HSV AL
jmudler
Freak of Nature
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Freak of Nature
Joined: Nov 2015
Posts: 21,445
HSV AL
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Good system to get of debt. Fair system to grow wealth
Isaiah 5:20 Woe to those who call evil good and good evil, who put darkness for light and light for darkness, who put bitter for sweet and sweet for bitter.
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Re: Dave ramsey
[Re: daniel white]
#2946977
11/05/19 11:35 PM
11/05/19 11:35 PM
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Joined: Oct 2006
Posts: 7,755
Montgomery, AL
Hunting-231
14 point
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14 point
Joined: Oct 2006
Posts: 7,755
Montgomery, AL
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my buddy told me this a long time ago...
Base your bills on 2 weeks pay
Base your folding money on one weeks pay
Take the last weeks pay and put it back.
Said you’d always be set...
I don’t follow that rule, but I’m not in deep debt either, I just like to get by and have a good time in between, and make sure my kids are taken care of. That’s pretty solid advice - wish I were diligent about following that advice.
"The struggle you're in today, is developing the strength you need for tomorrow."
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